{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f36\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f39\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\f40\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\f42\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f43\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f44\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f45\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f46\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f47\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f49\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\f50\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f52\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f53\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f54\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\f55\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f56\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f57\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f59\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}
{\f60\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}{\f62\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f63\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f64\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}
{\f65\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}{\f66\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f67\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f379\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}
{\f380\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f382\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f383\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f386\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}
{\f387\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f399\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f400\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f402\fbidi \froman\fcharset161\fprq2 Cambria Greek;}
{\f403\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f406\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f407\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\f409\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\f410\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f412\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f413\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f416\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\f417\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 v
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 UNION ASSURANCE SOCIETY OF AUSTRALIA LTD.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid11162335 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Mishra }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 J.
\par 
\par \hich\af0\dbch\af31505\loch\f0 18th July}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324 \hich\af0\dbch\af31505\loch\f0 , 1975}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Agency}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 insurance proposal form signed in blank by proposer and completed by agent}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
non disclosure of material facts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 whether insurer able to deny }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 liability}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 whether agent acting on behalf \hich\af0\dbch\af31505\loch\f0 of insurer or insured.
\par \hich\af0\dbch\af31505\loch\f0 Insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 proposal form signed in blank by proposer and completed by agent}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 non disclosure of material facts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
whether insurer able to deny liability}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 whether agent acting on behalf of insurer or insured.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 The appellant approached the res\hich\af0\dbch\af31505\loch\f0 
pondent insurance company's agent and signed a blank proposal form. No questions were asked and no information provided by the appellant and any answers on the form were inserted by the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  agent. The premium was paid and a cover note issued by the agent in co\hich\af0\dbch\af31505\loch\f0 
ntravention of the respondent's instructions that a proposal form must first be completed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par \hich\af0\dbch\af31505\loch\f0 During the period of the cover note, the appellant's stock in trade was damaged by fire, but the respondent denied liability on the ground that the appellant had fai\hich\af0\dbch\af31505\loch\f0 
led to disclose on his proposal form the fact that he had made a successful claim to another insurance company when his stock in trade}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0  had been damaged on an earlier occasion.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par \hich\af0\dbch\af31505\loch\f0 It was contended by the appellant that the agent was acting on behalf of the res\hich\af0\dbch\af31505\loch\f0 
pondent and that his acceptance of a blank proposal form must be imputed to the respondent who must have waived the need for the necessary information.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Held}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
: 1. The agent had no authority to accept a blank proposal form, and in filling in any necessary inf\hich\af0\dbch\af31505\loch\f0 ormation later, he would be acting as agent of the appellant and not of the respondent.
\par {\listtext\pard\plain\ltrpar \s20 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 2. \tab}}\pard\plain \ltrpar
\s20\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls19\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
A cover note was not a policy of insurance. In construing the cover note, the conditions of the respondent must be read into it.
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Cases referred to:
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Queen Insurance \hich\af0\dbch\af31505\loch\f0 Co. v Parsons}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 (1881/2)7 AC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  96.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Mayor of Auckland v Mercantile & General Insurance Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 . }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 [1930] NZLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  385.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Newsholme Bros. v Road Transport & General Insurance Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 [1929] 2 KB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  356.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Anglo-African Merchants Ltd. v Bayley}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 [1969] 2 WLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  686; [1969] }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 
\hich\af0\dbch\af31505\loch\f0 2 All ER}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  421.
\par \hich\af0\dbch\af31505\loch\f0 Appeal against the decision of the Magistrate's Court dismissing the appel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
lant's claim against his insurance company under a contract of fire insurance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 H M. Patel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  for the appellant.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 P. Knight}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  for the respondent company.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 MISHRA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  J.: [18th July\hich\af0\dbch\af31505\loch\f0  1975]\hich\f0 \emdash 

\par \hich\af0\dbch\af31505\loch\f0 This is an appeal from the decision of the Magistrate's Court, Suva dismissing the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 s claim against the defendant company under a contract of fire insurance.
\par \hich\af0\dbch\af31505\loch\f0 The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
s claim was for $700 representing the damage allegedly caused by fire\hich\af0\dbch\af31505\loch\f0 
 to some watches and furniture in his shop at Lautoka. The defence filed by the company denied liability on two grounds, firstly, non-disclosure of material facts on the proposal form and secondly, fraudulent nature of the plaintif}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 fs }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 formal claim relating \hich\af0\dbch\af31505\loch\f0 
to the extent of the loss. To this defence the plaintiff did not file any reply. At the trial, however, he contended that under the circumstances of the case the company must be deemed to have waived the need for the information not supplied by the plaint
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 
ff. Waiver had not been pleaded by the plaintiff but no objection was taken by the defendant to its being raised at the hearing. The plaintiff also contended at the hearing the extent of damage claimed by him was genuine and not fraudulent.
\par \hich\af0\dbch\af31505\loch\f0 The learned Mag\hich\af0\dbch\af31505\loch\f0 istrate found that the non-disclosures complained of were material and had not been waived by the defendant.
\par \hich\af0\dbch\af31505\loch\f0 The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
s shop had earlier been insured by the United Insurance Company Limited, a company which has nothing to do with the defendant company.\hich\af0\dbch\af31505\loch\f0 
 In June 1971, the plaintiff received an expiry notice from the former company to say that his then current poli}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324 \hich\af0\dbch\af31505\loch\f0 cy would expire on 24th June 1971}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 . On 23rd June 1971 the plaintiff made out a cheque payable to the United Insurance Company Limited and went wi\hich\af0\dbch\af31505\loch\f0 
th the expiry notice to look for the company's agents in Lautoka. According to his evidence, he was advised to see one Prem Chandra who managed the firm of South Seas Real Estate Agency at Lautoka and who also acted as agent for the defendant company. The
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
s own evidence as to what exactly happened in Prem Chandra's office is not very clear. According to him Prem Chandra told him that the defendant company and the United Insurance Company were one and the same. The plaintiff, however, also says that
\hich\af0\dbch\af31505\loch\f0  he wanted to remain insured with the United Insurance Company but that Prem Chandra told him that company had no agent at Lautoka. In any ease Prem Chandra persuaded the pl}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 
\hich\af0\dbch\af31505\loch\f0 aintiff to cross out the word "United}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 " on the cheque a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 
\hich\af0\dbch\af31505\loch\f0 nd substitute for it the word\hich\af0\dbch\af31505\loch\f0  "Union}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
" and initial it. He then gave the plaintiff a cover note on behalf of the defendant company insuring his stock-in-trade against fire for the sum of $3,000 until 23rd June 1973. This cover note is specifically stated to be subject to the current con
\hich\af0\dbch\af31505\loch\f0 ditions of the defendant company. Condition 1 of the company's printed fire policy states:
\par {\listtext\tab}}\pard\plain \ltrpar\s37\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 1. This policy shall be voidable in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 event of misrepresentation, mis}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 description or non-disclos}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 ure in any material particular.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 "
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 According to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4480324\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 's}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  evide\hich\af0\dbch\af31505\loch\f0 
nce which is not contradicted, Prem Chandra also gave him a proposal form (Ex. 3) to sign. He was asked no questions and he furnished no information whatever. Answers which appear on the form must, according to the plaintiff, have been inserted by Prem Ch
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 ndra himself after the plaintiff had left the office. Item 5 and 6 on the proposal form are}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 :}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par {\listtext\tab}}\pard\plain \ltrpar\s37\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid11162335 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 5. State other insurances of any of the property proposed giving name}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 of company and amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par {\listtext\tab}\hich\af0\dbch\af31505\loch\f0 6. Has proponent, or husband or wife of proponent, ever had any proper}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 ty damaged or destroyed by fire?............
\par {\listtext\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 If so, state each occasion, whether insured, and name of company }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335 \hich\af0\dbch\af31505\loch\f0 ......"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8215881 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 No information was furnished in respect of those items. At the tria
\hich\af0\dbch\af31505\loch\f0 
l the plaintiff admitted that his stock-in-trade had been damaged by fire on a previous occasion when he had successfully made a claim against another insurance company. He maintained that, if asked, he would have furnished all the information correctly b
\hich\af0\dbch\af31505\loch\f0 u\hich\af0\dbch\af31505\loch\f0 t that Prem Chandra had advised him that he had access to the proposal form the plaintiff had submitted to the United Insurance Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324 
\hich\af0\dbch\af31505\loch\f0 mpany and that he himself would}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  ob}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 
tain all the relevant informa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 tion from it.
\par \hich\af0\dbch\af31505\loch\f0 Counsel for the plaintiff at the trial submitted\hich\af0\dbch\af31505\loch\f0 
 that Prem Chandra's negligence in accepting a blank form from the plaintiff is imputable to the defendant company and that the defendant must, therefore, he deemed to have waived the need for that information.
\par \hich\af0\dbch\af31505\loch\f0 At the hearing of this appeal the main issue \hich\af0\dbch\af31505\loch\f0 
raised by the appellant's counsel is whether the defendant can, having received the premium and issued the cover note through its agent, deny its liability on the ground of non-disclosure particularly when the alleged non-disclosure was entirely due to th
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0  conduct of the defendant's own agent.
\par \hich\af0\dbch\af31505\loch\f0 The cover note is, of course, not a policy of insurance. Its sole purpose is to keep the assured covered while his proposal offered for acceptance at the time of the issue of the cover note is being considered by the 
\hich\af0\dbch\af31505\loch\f0 company. If the proposal is accepted a policy of insurance is issued. If the proposal is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
rejected the premium is returned and there is no policy of insurance. It is common ground that, in this case, the proposal was rejected by the defendant but that damag\hich\af0\dbch\af31505\loch\f0 
e to the plaintiff was caused while the plaintiff was still covered by the interim agreement effected by the cover note. In all such cases, in construing the cover note, conditions of the defendant company must he read}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0  into it (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8215881\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 Queen Insurance Co. v}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid8215881 \hich\af0\dbch\af31505\loch\f0  Parson\hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8215881 
\hich\af0\dbch\af31505\loch\f0  [1881-2] 7 AC}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  96 at 124-5).}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid8215881 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 Prem Chandra issued the cover note about the same time as he obtained the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
s signature on the proposal form. When a company's agent fills a proposal form on behalf of a person intending to take out an insurance policy,\hich\af0\dbch\af31505\loch\f0 
 he is, generally speaking, acting as an agent of the proponent and not the company. He would certainly not be the company's agent if, in filling the proposal form, he is acting beyond the scope of his aut}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0 hority (see }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8215881\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 Mayor of Auckland v}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid8215881 \hich\af0\dbch\af31505\loch\f0  Mercantile & Genera\hich\af0\dbch\af31505\loch\f0 l Insurance Company Limited}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4480324 \hich\af0\dbch\af31505\loch\f0  [1930] NZLR G}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0 LR}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  p.385 at 390-1). In the prese}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4480324 \hich\af0\dbch\af31505\loch\f0 
nt case Lawrence Feather, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 manager of the defendant company, said in his evidence:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11162335\charrsid8215881 
\par {\listtext\tab}}\pard\plain \ltrpar\s37\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid8215881 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 Cover note may have been issued before or after proposal form. A proposal form must first be comp\hich\af0\dbch\af31505\loch\f0 leted by agent a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 
nd cover note issued same time.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 "
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8215881 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
It is clear from this that the agent Prem Chandra had no authority to accept a blank proposal form signed by the plaintiff. In undertaking, with the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 s consent, to insert all the necessary informatio\hich\af0\dbch\af31505\loch\f0 
n afterwards, lie would be acting as an agent of the plaintiff, not of the defendant company. In saying that he signed a blank proposal form, the appellant }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 would}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid9590211 \hich\af0\dbch\af31505\loch\f0  appear to b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 e denying that}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0  it was his contract. This could conceivably be a ground on which he \hich\af0\dbch\af31505\loch\f0 
might repudiate the contract effected by the cover note but could not, on the basis of his signature, sue on it and, at the same time, escape the consequences of any non disclosure arising from it.
\par \hich\af0\dbch\af31505\loch\f0 The appellant would appear also to suggest that in getting\hich\af0\dbch\af31505\loch\f0 
 him to sign a blank proposal form, Prem Chandra was acting fraudulently, and as he was then acting as the company's agent, the company should be held res}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 ponsible }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 for his action and be deemed to have waived the need for the information which is now the sub\hich\af0\dbch\af31505\loch\f0 
ject of the alleged non-disclosure. This is a curious argu}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0 men}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 t, for if Prem Chandra was acting in fraud of the appellant, he was also acting in fraud of the company by deliberat}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0 ely }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4480324 \hich\af0\dbch\af31505\loch\f0 wit\hich\af0\dbch\af31505\loch\f0 hholding}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8215881 \hich\af0\dbch\af31505\loch\f0  material informa}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
tion from it. It is possible that he may have do\hich\af0\dbch\af31505\loch\f0 ne so to earn his commission but a fraud of this nature cannot be imputed to the company.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid8215881 
\par {\listtext\tab}}\pard\plain \ltrpar\s37\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\outlinelevel0\adjustright\rin0\lin720\itap0\pararsid8215881 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 If the answers are untrue and he (the company's agent) knows it he is committing a fraud which prevents his knowledge being the knowledge of the insurance company. \hich\af0\dbch\af31505\loch\f0 
If the answers are true, but he does not know it, I do not understand how he has any knowledge which can be imputed to the insurance company. In any ease, I have great difficulty in under\hich\af0\dbch\af31505\loch\f0 
standing how a man who has signed, without reading it, a document wh\hich\af0\dbch\af31505\loch\f0 ich he knows to be a proposal for insurance, and which contains }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4480324\charrsid11162335 
\hich\af0\dbch\af31505\loch\f0 statement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
 in fact untrue, and a promise that they are true, and the basis of the contract, can escape from the consequences of his negligence by saying that the person he asked to fill it up fo\hich\af0\dbch\af31505\loch\f0 r him is the agent of the person to wh}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 om the proposal is addressed. "(}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid8215881\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 Newaholme Bros. v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\insrsid11162335\charrsid8215881 \hich\af0\dbch\af31505\loch\f0  Road Transport and General Insurance Co. Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 . [1929] 2 KB}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  356 at 375.)
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8215881 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 This statemen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 
\hich\af0\dbch\af31505\loch\f0 t is equally applicable to a ca}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 se of non-disclosure where the assured pleads waiver \hich\af0\dbch\af31505\loch\f0 
of information on the part of the insurance company.
\par \hich\af0\dbch\af31505\loch\f0 In the present ease, if Prem Chandra knew the correct answers and did not put then on the proposal form, he, as an agent of the plaintiff, was deliberately withholding from the company a vital piece of i
\hich\af0\dbch\af31505\loch\f0 nformation which might have affected the company's decision with regard to the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0 
s proposal. There is, however, no evidence to suggest that he did have such knowledge. If he did not know the answers to the questions on the proposal form there is no\hich\af0\dbch\af31505\loch\f0 
 knowledge of his that could be imputed to the company and unless there is some knowledge of the alleged information which would put a careful insurer on inquiry the question of a waiver cannot arise }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 
\hich\af0\dbch\af31505\loch\f0 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid8215881\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 Anglo-African Merchants Ltd. v}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 
 Bayley}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0  [1969] 2 WLR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11162335\charrsid11162335 \hich\af0\dbch\af31505\loch\f0  686).
\par \hich\af0\dbch\af31505\loch\f0 The appeal, therefore, fai}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8215881 \hich\af0\dbch\af31505\loch\f0 ls and is dismissed with costs.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4480324 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid11162335\charrsid8215881 \hich\af0\dbch\af31505\loch\f0 Appeal dismissed.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11162335\charrsid11162335 
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